Call Center Agents -'Where to hide'
It's really getting to a stage where you start thinking twice before picking up unknown numbers. The so called marketing companies which call themselves as representatives of Banks have a tough target to achieve whether it's credit cards, loans, etc and share the same source of database of contacts all over the place. Some of them manage to be polite and skillful extending the call for few minutes but most of the others chose the most in opportune time to start talking about free cards, transfer of balance, free gifts for taking loans etc in a irritating tone and the call is invariably junked to trash folders. On top of that for the existing card holders Banks politely send an SMS encouraging you not to pay on time or only buy on deferred payment basis even if you have the necessary bank balance.
Though the plastic cards have become part and parcel of our life with all the gold, platinum and silver categories and most of them are free for life, the hidden charges by way of interest, penalty for non payment and un authorized debits can be real killers. More than anything else the impulsive buying spree just because there is a huge limits with some loyalty offer like air miles, reward points etc leads to the ultimate dooms day when the minimum balance syndrome takes over and over a period of time you end up with an o/s balance which in 'n' times your monthly repayment capability and the real trouble begins.
This joke on the capability of the banks/CC companies to follow up on old balances can be taken either as a testimony to their debt collection skills or to the fact how merciless they can be when it comes to outstanding dues
Rajiv and Mona are flying to Australia for a two-week vacation to celebrate their 20th anniversary. Suddenly, over the public address system, the Captain announces, "Ladies and Gentlemen, I am afraid I have some very bad news. Our engines have ceased functioning and we will attempt an emergency landing. Luckily, I see an uncharted island below us and we should be able to land on the beach. However, the odds are that we may never be rescued and will have to live on the island for the rest of our lives!"
Thanks to the skill of the flight crew, the plane lands safely on the island. An hour later Rajiv turns to his wife and asks, "Mona, did we pay our Rs 5 lakh deposit cheque yet to .... Bank?" "No, sweetheart," she responds. Did you remember to send cheques for the auto loan to them too this month?" he asks."Oh, forgive me, Rajiv," begged Mona. "I didn't send that one, either."Rajiv, still shaken from the crash landing, then asks, "Mona, did we pay our ...Bank Master card yet? "Oh no! I'm sorry. I forgot to send the cheque," she says, Rajiv grabs her and gives her the biggest kiss in 20 years. Mona pulls away and asks him, "So, why did you kiss me?"Rajiv answers, "They'll find us"
It's really getting to a stage where you start thinking twice before picking up unknown numbers. The so called marketing companies which call themselves as representatives of Banks have a tough target to achieve whether it's credit cards, loans, etc and share the same source of database of contacts all over the place. Some of them manage to be polite and skillful extending the call for few minutes but most of the others chose the most in opportune time to start talking about free cards, transfer of balance, free gifts for taking loans etc in a irritating tone and the call is invariably junked to trash folders. On top of that for the existing card holders Banks politely send an SMS encouraging you not to pay on time or only buy on deferred payment basis even if you have the necessary bank balance.
Though the plastic cards have become part and parcel of our life with all the gold, platinum and silver categories and most of them are free for life, the hidden charges by way of interest, penalty for non payment and un authorized debits can be real killers. More than anything else the impulsive buying spree just because there is a huge limits with some loyalty offer like air miles, reward points etc leads to the ultimate dooms day when the minimum balance syndrome takes over and over a period of time you end up with an o/s balance which in 'n' times your monthly repayment capability and the real trouble begins.
This joke on the capability of the banks/CC companies to follow up on old balances can be taken either as a testimony to their debt collection skills or to the fact how merciless they can be when it comes to outstanding dues
Rajiv and Mona are flying to Australia for a two-week vacation to celebrate their 20th anniversary. Suddenly, over the public address system, the Captain announces, "Ladies and Gentlemen, I am afraid I have some very bad news. Our engines have ceased functioning and we will attempt an emergency landing. Luckily, I see an uncharted island below us and we should be able to land on the beach. However, the odds are that we may never be rescued and will have to live on the island for the rest of our lives!"
Thanks to the skill of the flight crew, the plane lands safely on the island. An hour later Rajiv turns to his wife and asks, "Mona, did we pay our Rs 5 lakh deposit cheque yet to .... Bank?" "No, sweetheart," she responds. Did you remember to send cheques for the auto loan to them too this month?" he asks."Oh, forgive me, Rajiv," begged Mona. "I didn't send that one, either."Rajiv, still shaken from the crash landing, then asks, "Mona, did we pay our ...Bank Master card yet? "Oh no! I'm sorry. I forgot to send the cheque," she says, Rajiv grabs her and gives her the biggest kiss in 20 years. Mona pulls away and asks him, "So, why did you kiss me?"Rajiv answers, "They'll find us"
Some Gloden rules
Never have credit cards more than necessary even if they are free for life (not more than 2-3)
Never change your habit of paying on time simply because there is a deferred payment offer
Never change card balances from one bank to another just because another 30 days credit is available without interest or a watch or TV is given for free
Always check the finer small prints of application for pre-closure of loans before you take any sort of loan from bank
Always check your statement when you come back from a holiday where you have used the card extensively
RK
posted by RK at 2:23 PM
2 Comments:
Ha ha good one..So do u have some plans for ur 20th anniversary???
Ishu
I totally agree with you on the dud calls we recive per day with attractive offers, I have a good suggestion we can avoid this mess by storing their numbers and name the contact as "DONT ANSWER" I have abt 10 numbers from where I get regular calls and I simply don't answer them, your tips on cards is great and am sure I am going to follow this very quickly as I have never done this in the past, but 2 to 3 cards its a joke I don't think I can adhere to it. the joke was really fascinating.
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